Nmls #461177

Generating sales through the use of inbound and outbound daily calls; averaging 50 calls each day Providing consultations with borrowers to determine individual needs Negotiating incentives with clients to establish new business and deepen current banking relationships beyond mortgage Consistently ranked in the top 10% of sales performers annually Proactively solicits new or existing residential mortgage business from Ally's current deposit/auto account holders and/or loan portfolio and sells Ally mortgage products to meet established loan quality and production goals. Evaluate if a client is a good fit for a ReFi or non-TDR Modification.Respond timely and appropriately to all inquiriesMake decisions that impact processes and client’s financial implicationsPromote and sell conventional loan programs by analyzing potential borrower's financial and credit data, determine financial goals, and discuss/sell personalized product/pricing options and guidelines.Take mortgage loan applications based on new TRID rules by phone and prepare effective loan proposals.Ability to accurately Pre-qualify borrowers based on their overall financial and credit data. Partner withFulfillment and Underwriting teams for processing of customer loans through closing.Provide counter offers and declines to customers based on underwriting decisioning. Determine a consumer's needs and offer the appropriate product. Provide consumers with a superior level of customer service. Follow job-aid and call scripts per process maps & procedures. Stay informed of developing trends in the mortgage industry. Maintain compliance with Ally Bank Code of Conduct. Meet monthly minimum personal production goals.

Consistently exceeded sales production goals of $3-5 million month in loan volume Consistently ranked in the top 10% of sales performers annually Mentored and trained other loan officers Represents the company in a professional and enthusiastic manner: by providing an exceptional level of customer service, supporting the mission statement, and adhering to our core values in all functions of their job responsibilities and interaction with internal and external customers.Must at all times be able to meet any and all applicable qualifications and standards required for MLO licensing under the SAFE Act. Employee must remain current on any and all applicable registration, licensing and training obligations required under the SAFE Act and/or any other state, federal or local laws pertaining to MLO Certification or standards.Collecting and analyzing client’s information. Maintain files and records while maintaining client confidentiality and all security protocolAssisting in assessing the customer’s financial circumstances to determine whether the customer and the property qualify for a particular loanAnalyzing the information provided by the customer and advising on an array of options and variables, all of which make up the various components of the loanAdvising the customer about the risks and benefits of various mortgage loan alternatives in light of their individual financial circumstancesAdvising the customer about avenues to obtain a more advantageous loan program, including FHA, VA, Conventional or lines of creditsMaintaining regular contact with the customer and referral partners between application and closing to apprise them of the status of the application and gather any additional information as needed

Outpaced expected sales goals in first year Educated potential new home buyers on various loan programs Qualified leads and presented various refinance options Provided superior customer service in a high-volume sales environment. Offered creative solutions for client payment options Develop knowledge of company products, policies and procedures, and underwriting requirements Understand real estate appraisals, title reports, and real estate transactions Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in Develop and maintain a high degree of visibility for WFHM in the marketplace Perform miscellaneous duties as needed and required